Critical Illness Protection

If you would like more information on Critical Illness Protection, please take the time to read the following. You may also want to save some of these documents for future reference.

Your policy covers certain illnesses, which are listed and described in the policy document.

The policy is designed to cover specific listed illnesses and may not cover an illness which is described as ‘critical’ by the medical profession.

For full details of cover, download the Critical Illness Protection policy document and summary of cover (PDF, 3.7MB).

You can cancel your Zurich policy at any time by calling Zurich’s Helpdesk. However there will be no refund of premium after the 30 day cooling off period and your cover will cease.

If you’re unsure if your cover still meets your needs, you may wish to speak to a financial adviser.

Please refer to the product Key Features (PDF, 776KB) document for more information on your cancellation rights.

Critical illness insurance can cover pre-existing conditions.

Critical illness cover is underwritten at application stage so it’s important you carefully read and answer the medical questions to ensure we’re made aware of any pre-existing conditions you may have.

Zurich will then review your application to establish if cover can be provided.

The amount of cover you need will vary depending on your personal circumstances.

To help you work out how much you need, consider what costs you would want covered financially if you were to become critically ill. Would you want your future medical costs covered? Or would you need some extra financial help to cover any debts?

If you have a valid claim, critical illness cover would pay the value of the sum Zurich agreed to insure you for, as stated in your policy schedule.